| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.6M | $12.1M | $7.8M | $9.1M | $48K | 0.90% | 2.99% | 0.52% | 1,711 |
| Q4 2025 | $21.8M | $11.5M | $8.1M | $9.1M | $82K | 0.37% | 2.28% | 0.29% | 1,706 |
| Q3 2025 | $22.7M | $12.7M | $8.0M | $9.0M | $98K | 0.57% | 2.07% | 0.50% | 1,690 |
| Q2 2025 | $22.0M | $12.3M | $7.9M | $9.0M | $34K | 0.31% | 2.17% | 0.55% | 1,702 |
| Q1 2025 | $21.3M | $12.0M | $7.8M | $9.0M | $54K | 1.00% | 2.47% | 0.38% | 1,705 |
| Q4 2024 | $21.6M | $11.4M | $8.0M | $9.0M | $100K | 0.46% | 2.65% | 0.37% | 1,719 |
| Q3 2024 | $22.2M | $12.4M | $8.0M | $9.0M | $79K | 0.47% | 2.70% | 0.38% | 1,712 |
| Q2 2024 | $21.6M | $12.1M | $7.9M | $9.0M | $55K | 0.51% | 2.82% | 0.83% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,711 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.8M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 81.5% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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